News & Events

Your Big Idease Deserve Low Rates - HELOC Special!

Opportunity knocks with this special North County Credit Union Home Equity Line of Credit offer:

2.99%APR* Introductory fixed rate for the first 12 months / 5.0%APR* Current variable rate

No closing costs!** Offer expires May 15, 2017.

Learn more on how our low-interest, tax-deductible1 Home Equity Line of Credit can help you pay for your big dreams or apply online now.

*APR=Annual Percentage Rate. Rates effective 03/01/2017 for new Home Equity Lines. Please call NCCU at 858- 487-1880 for current rates. Hazard, flood and title insurance and NCCU membership are required on all Home Equity Lines. California owner-occupied residences only. All loans subject to credit approval. Home Equity Line Introductory APR is “discounted” for the first twelve billing cycles. Our standard fully-indexed APR will commence beginning the thirteenth billing cycle. Our standard APR is based on the Wall Street Journal Prime Rate (Prime + 0%). When a range of prime rates is published, the highest prime rate applies. Rate varies monthly. Maximum APR is 14%. Minimum APR is 5%. NSF charge is $30. Late payment fee is 5% of payment or $10.00, whichever is greater. Over-the-limit fee is $18. Annual fee of $25 is waived for the first year and any year with an outstanding balance of $20,000 or more. The minimum initial credit advance that you can receive is $10,000.

**NCCU will pay closing costs (excluding government recording charges and title insurance) on new Home Equity Line applications received between 03/01/2017 and 05/15/ 2017. Initial loan advance must be made by 06/15/2017. Loans paid off and closed in less than 2 years from the loan origination date will require reimbursement of all closing costs paid by NCCU. Closing costs typically range between $150 and $800 depending on the location of the property and the amount of the Home Equity Line. Offer excludes Home Equity Lines used for a home purchase and the appraisal fee, if an appraisal is necessary.

1Check with your tax advisor.

NMLS #756614

Tasty Thursday Food Truck Line Up

Our Tasty Thursday events for the Spring 2017 season are now in the works. Check back soon!

Our Current "Directions" Newsletter

Make sure you read our quarter newsletter, "Directions." Each issue highlights special promotions and provides helpful information to manage your finances. You must have Adobe's Acrobat Reader in order to view.
 
download adobe acrobat